Does car insurance cover windshield damage?

4 min read | Updated on July 25, 2025, 12:30 IST

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Anshul and his friend Satya cruised towards Goa from Mumbai on the NH 66. Out of nowhere, a small stone smashed into the windshield. Since they were travelling at a very high speed, the impact was quite drastic, and there was almost a 6-inch crack on the windshield. Satya told Anshul not to worry as the motor insurance covers such instances. Anshul, a keen believer in motor insurance myths, remembered how his uncle said that car insurance does not cover windshield and glass damage.

Even though a tiny chip in the windshield does not seem like a big deal, it can easily spread into spiderwebs of cracks, and one of the best ways of repair is to replace the entire thing. There are different reasons, such as flying debris, accidents, or extreme weather, that can result in windshield damage, making it quite common in India.

However, despite having comprehensive insurance coverage, many people often enquire whether their motor insurance would cover such damage. Let us learn everything you need to know about windshield damage and the implications of motor insurance.

Common Causes of Windshield Damage

There can be different reasons for windshield damage, from everyday driving to major accidents. Some of the most common ones are:

Flying debris or loose gravel

Especially from construction sites or highways

Sudden temperature changes

Can cause expansion and cracking

Falling branches

During storms or when parked under trees

Minor collisions or road accidents

Even low-impact bumps can crack the glass

Vandalism or intentional damage

Broken windshields during theft or mischief

Neglected small chips

Often expand over time due to pressure or weather

Does Car Insurance Cover Windshield Damage?

The correct answer would be: it depends on your insurance policy category. Let us find out how:

Type of Motor Insurance Policy vs Windshield Damage Coverage

Type of Motor Insurance Policy	Windshield Damage Coverage	Details
Third-Party Liability	No	Only covers damage to third-party persons or property. Does not include your own vehicle's damage.
Comprehensive Policy	Yes	Includes both third-party and OD cover. Windshield damage is typically covered here.
Add-ons like Glass or Windshield Protection	Yes	Further reduces out-of-pocket costs and depreciation deduction during claims.

How to File a Claim for Windshield Repair/Replacement

You can follow the following steps to file a claim for windshield repair/replacement:

Inform the Insurance Company

You should inform the insurer as soon as you notice the damage (preferably within 24-48 hours of any accident).

Submit Documents

You might be asked to submit various documents such as the claim form, photos of the damage, policy details, and sometimes an FIR (in case of vandalism or third-party involvement).

Damage Assessment

The insurance company may send a surveyor to assess the damage and its cause.

Repair or Replacement

You can opt for a network garage for a cashless claim or get the work done in any workshop for claim reimbursement.

Should You Claim or Pay Out of Pocket?

You can pay out of pocket for minor damages because filing a claim could be costlier. Here is how:

Claiming for small repairs may cost you your No-Claim Bonus (NCB) during renewal.
Deductibles might make the reimbursement amount negligible, so you pay almost the full repair cost anyway.
Claiming may be more beneficial if your policy includes zero depreciation or glass protection.

Tips to Prevent Windshield Damage

Windshield damage can be prevented if you follow some simple steps. Here are a few tips that we can suggest:

Maintain a safe distance from large vehicles, especially on highways.
Avoid sudden blasts of hot or cold air on the glass.
Always be careful where you park the vehicle (like under a tree or an under-construction building).
Inspect chips early before they spread.

Safety Hazards due to Windshield Damage

You might not want to ignore windshield damage for a long time because it can easily become a major safety hazard, putting your life and other passengers’ lives in serious jeopardy. Even small chips can distort your view, especially under sunlight or when lights reflect off the cracks at night. Over time, vibrations and temperature shifts can cause cracks to spread rapidly, weakening the windshield's structural integrity.

In more modern cars, windshields play a critical role in airbag deployment and support the car’s roof during an accident. Hence, a damaged windshield may easily affect the security features of your vehicle.

Summing Up

Your windshield is not only a critical component of the car in routine drives, but it could also be a major factor in protecting you during accidents and impacts. If your car’s windshield has been damaged, you should get it repaired immediately to ensure complete safety. Your motor insurance will assist you in a swift replacement. Knowing what your policy includes helps you act quickly and wisely, whether a small chip or a full crack.

FAQs

Is a cracked windshield repairable, or does it need replacement?

If the crack is small and hasn’t spread, it can be repaired; otherwise, full replacement is recommended.

Will I lose my No-Claim Bonus (NCB) if I claim for windshield damage?

Yes, unless your insurer offers NCB protection or you pay out of pocket.

Does third-party insurance cover windshield damage?

No, only Own Damage or Comprehensive policies cover your car’s windshield.

Can I get a cashless repair for windshield damage?

Yes, if you visit a network garage approved by your insurer.

How long does it take to process a windshield insurance claim?

Typically 1–3 working days, depending on documentation and garage tie-ups.

About Author

Upstox Desk

Team of expert writers dedicated to providing insightful and comprehensive coverage on stock markets, economic trends, commodities, business developments, and personal finance. With a passion for delivering valuable information, the team strives to keep readers informed about the latest trends and developments in the financial world.